Method and system for biometrically enabling a proximity payment device

• US 20050137977A1
• Filed: 09/27/2004
• Published: 06/23/2005
• Est. Priority Date: 09/26/2003
• Status: Abandoned Application

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Wankmueller, John
• Application Number:
  US10/950,796
• Publication Number:
  US 20050137977A1
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A self-validating payment device for making proximity payment transactions through a point-of-sale device is provided. The payment device includes electronics for wireless communication of stored or processed payer information to the point-of-sale device. A biometric reader is integrated into the payment device. A biometric measurement of a user of the payment device in the field is compared internally with a reference biometric measurement corresponding to the user to whom the payment device is registered. The payment device self-validates itself for use according to the results of comparison.

Claims

1. A method for verifying payer identity to validate use of a payment card in a proximity payment transaction attempted through a point-of-sale device, the method comprising:

providing an electronically coupled biometric-reader in combination with the payment card to a registered payer for proximity payment use in the field, wherein the combination is physically disposed in a common housing, and wherein the combination comprises a reference biometric parameter corresponding to the registered payer;

using the biometric reader in the field to measure the payer'"'"'s biometric parameter,

comparing the measured biometric parameter to the reference biometric parameter corresponding to the registered payer, and then for positive comparison validating use of the payment card for the proximity payment transaction.

4. The method of claim 1 wherein the biometric reader and the payment card comprise two distinct electronic units that are in wireless communication, the method further comprising encrypting the measured biometric parameter, and then communicating the encrypted biometric parameter from the biometric reader electronic unit to the payment card electronic unit for comparison with the reference biometric parameter.

5. The method of claim 1 wherein providing the biometric reader comprises providing a fingerprint reader.

6. The method of claim 1 wherein providing a biometric reader comprises providing a voice print reader.

7. The method of claim 1 wherein providing an electronically coupled biometric-reader in combination with the payment card comprises providing a dry-cell battery to self power the combination.

8. The method of claim 7 wherein the payment card comprises a radio frequency transceiver for wireless communication with point-of-sale device for the proximity payment transaction, and wherein a default state of the radio frequency transceiver is an off state.

9. The method of claim 8 wherein the radio frequency transceiver is turned on only after the payment card is validated for use in the proximity payment transaction.

10. The method of claim 8 wherein the radio frequency transceiver is turned on after the payment card is invalidated for use to communicate the negative comparison result to point-of-sale device.

20. The payment device of claim 1, wherein the payment device is self-powered, and wherein the payment device has a default state in which wireless communications with the point-of-sale device are turned off.

21. The payment device of claim 20 wherein the payment device electronics are configured to resume wireless communications with the point-of-sale device only after the payment device is self-validated for use.

2. The method of claim 2, wherein after the comparison of the measured and reference biometric parameters, for negative comparisons use of the payment card for the proximity transaction is invalidated.

3. The method of claim 2 wherein the results of the comparison are wirelessly communicated to the point-of-sale device through which the proximity payment transaction is attempted.

11. A payment device for making a proximity payment transaction through a point-of-sale device, the payment device comprising:

a payment card having electronics for wirelessly communicating payer information to the point-of-sale device; and

a biometric reader having electronics for measuring a biometric parameter of a user of the payment device and for communications with the payment card electronics, wherein the payment card and the biometric reader are co-disposed in a common housing.

12. The payment device of claim 11 wherein the biometric reader is physically attached to the payment card, and wherein the payment card electronics and the biometric reader electronics are distinct electronic units that are in wireless or wired communication with each other.

13. The payment device of claim 11 wherein the biometric reader electronics is embedded in the payment card.

14. The payment device of claim 13 wherein the payment card electronics and the biometric reader electronics are hardwired together.

15. The payment device of claim 11 wherein the biometric reader is a fingerprint reader.

16. The payment device of claim 11 wherein the biometric reader is a voice print reader.

17. The payment device of claim 11 wherein the payment device further comprises a reference biometric parameter corresponding to a payer to whom the payment device is registered.

18. The payment device of claim 17 wherein the payment card and biometric reader electronics are configured to compare a measured biometric parameter to the reference biometric parameter and to accordingly self-validate or invalidate the payment device for use.

19. The payment device of claim 17 wherein the payment card electronics are configured to communicate the results of the comparison to the point-of-sale device.